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At Capital Financial Management NC. Inc our approach goes beyond investment management.
We focus on helping you strengthen your retirement strategy.

OUR E-NEWSLETTER



    ©  Powered by: Simplicity

    OUR LOCATION

    1000 N. Main St.,
    Ste. 218,
    Fuquay-Varina NC 27526

    Privacy Policy | Terms of Use | Disclosure | ADV 2A and Form CRS

    All insurance recommendations and placements are made through Capital Consulting Group NC, Inc, an affiliated company.

    All content is for information purposes only. It is not intended to provide any tax or legal advice or provide the basis for any financial decisions. Nor is it intended to be a projection of current or future performance or indication or future results.

    Opinions expressed herein are solely those of Capital Financial Management NC, Inc and our editorial staff. The information contained in this material has been derived from sources believed to be reliable but is not guaranteed as to accuracy and completeness and does not purport to be a complete analysis of the materials discussed. All information and ideas should be discussed in detail with your individual adviser prior to implementation. Advisory services are offered by Capital Financial Management NC, Inc an Investment Advisor in the State of North Carolina. Being registered as an investment adviser does not imply a certain level of skill or training. Insurance products and services are offered through Capital Consulting Group NC, Inc, an affiliated company. Capital Financial Management NC, Inc and Capital Consulting Group NC, Inc are not affiliated with or endorsed by the Social Security Administration or any other government agency.

    The information contained herein should in no way be construed or interpreted as a solicitation to sell or offer to sell advisory services to any residents of any State other than the State of North Carolina or where otherwise legally permitted.

    Images and photographs are included for the sole purpose of visually enhancing the website. None of them are photographs of current or former Clients. They should not be construed as an endorsement or testimonial from any of the persons in the photograph.

    Purchases are subject to suitability. This requires a review of an investor’s objective, risk tolerance, and time horizons. Investing always involves risk and possible loss of capital.

    Our Services

    Work with us to design a strategy that seeks to provide potential income and strives for financial independence throughout your retirement years.

    Seek to enhance your or your loved one’s potential retirement income through strategies designed for tax efficiency and capital utilization.

    Protect your estate and loved ones from unnecessary taxation and probate with proactive estate planning strategies.

    Increase you or your loved one’s future retirement income with a tax-efficient, capital leveraging strategy.

    Life insurance is a foundational financial contract that provides a tax-free cash payout to your beneficiaries upon your passing, ensuring your family’s long-term security, replacing lost income, and preserving your legacy.

    Asset allocation is the investment strategy of balancing risk and reward by dividing your portfolio’s assets among different categories—such as stocks, bonds, and cash—based on your personal financial goals, risk tolerance, and investment time horizon.

    Schedule Your Time With Us







      Value at Risk Analysis

      Risk tolerance is an investor’s ability to remain invested during downward market cycles in exchange for a potential return.

      Within the initial review, we help you understand your risk threshold. We do this by deploying a Value at Risk (VaR) Analysis that helps us quantify attitudes toward financial uncertainty, specifically one’s emotional tolerance with respect to the magnitude and speed of potential investment loss.

      This analysis produces a VaR Score that is indexed on a scale from conservative to aggressive. The VaR Score can help us determine if the current portfolio aligns with your risk tolerance and provides insight as to whether changes to that portfolio are needed.

      Value at Risk Analysis

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        Our Approach

        Money is personal.
        We believe investors deserve a partner that will provide them with a bespoke investment experience tailored to their needs and objectives.

        01

        Start Smart

        02

        Apply Discipline

        03

        Communicate Progress

        01

        Start Smart

        Starting smart begins by getting a clear understanding of an investor’s current financial situation and how they would like it to progress to help meet their future lifestyle goals and objectives.

        During this process we get to know our prospective clients by gathering information pertaining to their personal values, financial goals, and existing financial accounts. We also evaluate their attitudes toward six universal financial planning considerations and conduct a Value at Risk (VaR) Analysis.

        Financial Planning Considerations

        The six universal financial planning considerations are potential barriers investors may face when working toward their goals. We believe that it’s important to evaluate investor sentiment towards each consideration through a succinct questionnaire. This allows us to examine the potential effects of these considerations on an investor’s assets today and in the future.

        Longevity

        Outliving financial assets as the result of a longer life.

        Liquidity

        Limited access to assets to meet life’s unexpected financial needs.

        Inflation

        Reduction in real purchasing power as the result of increasing cost of living.

        Market

        Unexpected reduction in the value of financial assets at the time of withdrawal.

        Mortality

        Loss of financial assets as the result of a partner’s or spouse’s death.

        Taxes

        Decreasing income and assets and/or the impairment of legacy assets from increasing taxes.

        Value at Risk Analysis

        Risk tolerance is an investor’s ability to remain invested during downward market cycles in exchange for a potential return.

        Within the initial review, we help you understand your risk threshold. We do this by deploying a Value at Risk (VaR) Analysis that helps us quantify attitudes toward financial uncertainty, specifically one’s emotional tolerance with respect to the magnitude and speed of potential investment loss.

        This analysis produces a VaR Score that is indexed on a scale from conservative to aggressive. The VaR Score can help us determine if the current portfolio aligns with your risk tolerance and provides insight as to whether changes to that portfolio are needed.

        Value at Risk Analysis

        02

        Apply Discipline

        Research and Due Diligence

        Simplicity Wealth’s rigorous research process provides a comprehensive suite of reliable investment capabilities and model portfolios. We vet, select, and continuously monitor over 150 asset managers and 1,000 strategies, evaluating them for risk management, diversification, and performance consistency. This disciplined, fiduciary-driven approach is paired with our proprietary risk scoring model, which grounds our clients’ investment expectations in their personal comfort level with market volatility.

        Our Investment Planning Process

        Our investment planning process helps our clients set clear and achievable financial goals. It allows them to define their short-term and long-term objectives and provides direction in making prudent investment decisions based on universal financial planning considerations, risk tolerance, and time horizons. We strive to provide a planning process that is dynamic and flexible, allowing our clients to adapt their investment strategy as circumstances evolve.

        1. Discover:

        Gather key information pertaining to goals, objectives, financial planning considerations, and risk tolerance.

        2. Analyze

        Perform a comprehensive financial analysis of the information provided.

        3. Plan

        Create a custom strategy that aligns with the client’s provided goals and risk tolerance.

        4. Implement

        Execute the agreed-upon plan.

        5. Monitor

        Proactively manage the plan, evaluate its progress, and adjust it to meet shifting objectives and changing market dynamics.

        Institutional Solutions

        Direct Indexing and Tax-Loss Harvesting

        Gaining greater control of an index with added tax benefits so that clients may keep more of what they earn.

        Through Simplicity Wealth’s automated direct indexing and tax-loss harvesting capabilities, investors will have greater control and flexibility within their replicated index portfolios and will also benefit from offsetting capital gains tax through the strategic selling of securities at a loss.

        Tax-loss harvesting involves selling an investment at a loss in order to offset the taxes resulting form a capital gain. It is not considered tax advice and you are encouraged to consult with your personal tax advisor for such services

        Sophisticated transfer strategies for helping clients reduce or even eliminate tax-burdened legacy positions.

        Simplicity Wealth’s tax-optimized transition solution works to help investors alleviate tax liabilities of transferring existing non-qualified funds over to their businesses through a transfer-in-kind, multi-year strategy.

        Tax-loss harvesting involves selling an investment at a loss in order to offset the taxes resulting from a capital gain. It is not considered tax advice and you are encouraged to consult with your personal tax advisor for such services.

        Investment strategies for helping align clients’’ money with their values.

        Simplicity Wealth’s Environmental, Social and Corporate Governance (ESG) and Socially Responsible Investing (SRI) overlay screens offer a comprehensive suite of resources that combine investment intelligence with social awareness – all integrated within the investment platform, helping investors align money with their values.

        Stock screener provided by Sustainalytics, a Morningstar subsidiary.

        03

        Communicate Progress

        Our Commitment to You

        We strive to provide clarity regarding your income strategy through regular reporting, proactive outreach, and consistent availability of our team throughout our professional relationship.

        We A.C.T. to communicate progress on your portfolio.

        A

        Accessible

        Accessible

        We understand the importance of being available to you when questions or concerns arise. We will return your phone call or email within 1-2 business days and if the issue is still not resolved, we will schedule a meeting with you at the earliest time possible.

        C

        Consistent

        Consistent

        Together we will determine your communication preferences and frequency so that we can be sure to communicate progress on your investments, schedule reviews, as well as provide you with critical market updates throughout the year.

        T

        Transparent

        Transparent

        You will have a secure login to your client portal that will allow you to view your entire financial landscape in one location on any online device. Through this portal you will be able to view your accounts and access financial tools, performance reports, balance sheets, key documents and more.

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